emoni is a Dutch electronic money institution (EMI) founded to address a persistent challenge in the European financial services market, namely supporting compliance-intensive businesses. For these businesses, access to banking services is fundamental to their ability to trade, serve customers, and grow with confidence. Yet in practice, many are frequently declined, de-risked, or underserved by traditional banks and EMIs, as Eran ten Napel, Founder and CEO of emoni, explains: "There is a huge need in this space for a platform that enables these businesses to bank without compromising security, user experience, settlement times, wider global reach, and genuine human support. We provide businesses with the tools they need to send, receive, hold, and convert funds globally." With a clear vision, emoni began its EMI licence application with De Nederlandsche Bank. That required finding an agency banking partner that combined strong regulatory standards with a practical understanding of fintechs, EMIs, and compliance-led business models.Collaborating with ClearBankemoni chose ClearBank because it understood both the opportunity and the complexity of serving compliance-intensive businesses. As a fintech bank with a strong reputation for supporting fintechs and EMIs, ClearBank aligned with emoni’s risk appetite, compliance expectations, and growth ambitions. The decision was about more than technical capability. ClearBank provided the infrastructure, regulatory confidence, and relationship-led support that emoni needed to build a strong foundation for launch and long-term growth. “ClearBank has a strong reputation for supporting fintechs and EMIs. ClearBank and emoni share a fully aligned risk appetite; the compliance standards are top‑notch, and the account managers are exceptional. ClearBank provides us with everything required to succeed,” comments ten Napel. “ClearBank offers exactly what we need: security, a Dutch banking partner that truly understands fintechs, and strong, reliable products built for scale. But above all, it’s the people. The day‑to‑day support, the responsiveness, and the willingness to engage deeply with our business make ClearBank the right partner for us.” Eran ten Napel, Founder and CEO of emoniSupporting a new fintech through the EMI licence process and beyondClearBank played a pivotal role in supporting emoni’s successful EMI licence application, with its Agency Banking solution delivering safeguarding accounts that hold its customers' funds separate from the firm's own money. These accounts are complemented by connectivity to SEPA Credit Transfer, SEPA Instant, and T2, enabling emoni to offer its clients comprehensive payment options. “ClearBank supports and understands our vision and has supported both our licence application and our go‑to‑market strategy. That allowed us to enter the market quickly and confidently,” explains ten Napel. “The partnership has reduced operational friction, accelerated our go‑to‑market timeline, and given us a banking foundation that supports growth without adding unnecessary operational overhead.” With the right banking infrastructure in place, and its EMI licence secured in March 2026, emoni is confident it can scale its operations with robust, scalable API-based access to the European payments infrastructure it needs to serve its growing customer base. "Our customers rely on ClearBank’s SEPA rails as their primary EU banking rail. The service is reliable, consistently available, and delivers exactly what our customers need for seamless European payments," ten Napel says. A partnership built on collaborationThroughout the initial phase and through to go live, the quality of the relationship has stood out. For emoni, the openness, curiosity, and consistency of the ClearBank team have been central to creating trust and practical collaboration."True partnerships are rare. We often label transactional relationships as 'partnerships,' even when they aren’t. ClearBank is different. What stands out is the people: the CEO, CFO, and account management teams who consistently show up with openness, curiosity, and a genuine desire to collaborate. They listen, exchange ideas, and work with us to develop products. This is what makes our relationship with ClearBank a real partnership." Eran ten Napel, Founder and CEO of emoniWith ClearBank as its banking partner, emoni has a platform for growth that combines strong compliance standards, reliable infrastructure, and a relationship built on shared ambition. “For any EMI in Europe seeking a truly fintech-oriented banking partner, ClearBank stands out. They are not just a provider – they are a genuine partner committed to your success,” ten Napel concludes. NoYesPayments02 Oct, 2026